# Monarch Money (MCP server)

> Monarch Money is an MCP server that adds finance tools to AI assistants such as Claude Desktop, Claude Code and Cursor. MCP server for Monarch Money — account, transaction, and budget management. It has 81 GitHub stars, is released under the MIT license and runs locally with npx -y monarch-money-mcp-server.

MCP server for Monarch Money — a personal finance app that aggregates accounts, transactions, budgets, and net worth across institutions. This server gives an AI assistant read and write access to the same data the Monarch web/mobile app shows you, scoped to your own account.

## Key facts

| Fact | Value |
|---|---|
| Repository | https://github.com/pulsemcp/mcp-servers |
| GitHub stars | 81 |
| License | MIT |
| Language | TypeScript |
| Transport | stdio |
| Packages | npm: monarch-money-mcp-server |
| Remote URL | none |
| Needs API key | yes |
| Official | yes |
| Works with | Claude Desktop, Claude Code, Cursor, VS Code |
| Category | Finance |
| Latest release | monorepo-latest-placeholder@0.0.0 (Jul 3, 2025) |
| Last commit | Aug 30, 2026 |
| MCP registry name | com.pulsemcp/monarch-money |

## Install

### Claude Desktop (claude_desktop_config.json)

```json
{
  "mcpServers": {
    "monarch-money": {
      "command": "npx",
      "args": [
        "-y",
        "monarch-money-mcp-server"
      ],
      "env": {
        "MONARCH_SESSION_TOKEN": "your-value",
        "MONARCH_PASSWORD": "your-value",
        "MONARCH_TOTP": "your-value",
        "MONARCH_EMAIL_OTP": "your-value",
        "MONARCH_SESSION_PASSPHRASE": "your-value"
      }
    }
  }
}
```

Settings > Developer > Edit Config. macOS: ~/Library/Application Support/Claude/, Windows: %APPDATA%\Claude\. Restart Claude Desktop afterwards.

### Claude Code

```sh
claude mcp add --env MONARCH_SESSION_TOKEN=your-value --env MONARCH_PASSWORD=your-value --env MONARCH_TOTP=your-value --env MONARCH_EMAIL_OTP=your-value --env MONARCH_SESSION_PASSPHRASE=your-value --transport stdio monarch-money -- npx -y monarch-money-mcp-server
```

### Cursor (.cursor/mcp.json)

```json
{
  "mcpServers": {
    "monarch-money": {
      "type": "stdio",
      "command": "npx",
      "args": [
        "-y",
        "monarch-money-mcp-server"
      ],
      "env": {
        "MONARCH_SESSION_TOKEN": "your-value",
        "MONARCH_PASSWORD": "your-value",
        "MONARCH_TOTP": "your-value",
        "MONARCH_EMAIL_OTP": "your-value",
        "MONARCH_SESSION_PASSPHRASE": "your-value"
      }
    }
  }
}
```

Project file; use ~/.cursor/mcp.json to enable it in every project.

### VS Code (.vscode/mcp.json)

```json
{
  "inputs": [
    {
      "type": "promptString",
      "id": "monarch_session_token",
      "description": "MONARCH_SESSION_TOKEN",
      "password": true
    },
    {
      "type": "promptString",
      "id": "monarch_password",
      "description": "MONARCH_PASSWORD",
      "password": true
    },
    {
      "type": "promptString",
      "id": "monarch_totp",
      "description": "MONARCH_TOTP",
      "password": true
    },
    {
      "type": "promptString",
      "id": "monarch_email_otp",
      "description": "MONARCH_EMAIL_OTP",
      "password": true
    },
    {
      "type": "promptString",
      "id": "monarch_session_passphrase",
      "description": "MONARCH_SESSION_PASSPHRASE",
      "password": true
    }
  ],
  "servers": {
    "monarch-money": {
      "type": "stdio",
      "command": "npx",
      "args": [
        "-y",
        "monarch-money-mcp-server"
      ],
      "env": {
        "MONARCH_SESSION_TOKEN": "${input:monarch_session_token}",
        "MONARCH_PASSWORD": "${input:monarch_password}",
        "MONARCH_TOTP": "${input:monarch_totp}",
        "MONARCH_EMAIL_OTP": "${input:monarch_email_otp}",
        "MONARCH_SESSION_PASSPHRASE": "${input:monarch_session_passphrase}"
      }
    }
  }
}
```

Config formats checked against the official docs on 2026-10-07.

## Environment variables

- `MONARCH_SESSION_TOKEN` (secret): Pre-obtained session token for authentication (recommended over email/password).
- `MONARCH_EMAIL`: Email address for email/password authentication.
- `MONARCH_PASSWORD` (secret): Password for email/password authentication.
- `MONARCH_TOTP` (secret): TOTP code if 2FA is enabled on the account.
- `MONARCH_EMAIL_OTP` (secret): Email OTP code required only on first login from a new install.
- `MONARCH_SESSION_PASSPHRASE` (secret): Override passphrase for encrypting the on-disk session file.
- `MONARCH_STATE_DIR`: Directory where session.enc file is stored.
- `MONARCH_ENABLED_TOOL_GROUPS`: Comma-separated list of tool groups to enable (readonly, manage).
- `MONARCH_ENABLED_TOOLS`: Comma-separated whitelist of specific tool names to enable.
- `MONARCH_DISABLED_TOOLS`: Comma-separated blacklist of specific tool names to disable.

## Tools

- `check_authentication`: readonly, manage
- `monarch_login_with_token`: manage
- `get_accounts`: readonly, manage
- `get_account_balance_history`: readonly, manage
- `set_account_balance_history`: manage
- `refresh_accounts`: manage
- `get_net_worth`: readonly, manage
- `get_transactions`: readonly, manage
- `get_transaction_details`: readonly, manage
- `create_transaction`: manage
- `update_transaction`: manage
- `delete_transaction`: manage
- `split_transaction`: manage
- `get_categories`: readonly, manage
- `get_tags`: readonly, manage
- `create_tag`: manage
- `delete_tag`: manage
- `get_transaction_rules`: readonly, manage
- `create_transaction_rule`: manage
- `update_transaction_rule`: manage
- `delete_transaction_rule`: manage
- `get_budgets`: readonly, manage
- `set_budget_amount`: manage

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